Kentucky auto insurance laws define the minimum amounts of liability insurance coverage is required to drive in the state. Kentucky is also a no-fault state, which means that the insurance company will pay for the injury claims, to a specified amount, no matter who was at fault. Below is information on the liability coverage that is required.
State law requires that you have $10,000 of property damage liability coverage to cover the costs of the damage to the other person's vehicle or property in the event that you are responsible for the accident. Law also requires you to have bodily injury liability coverage of $25,000 to pay for the other person's medical bills, and $50,000 to pay medical bills for any other individuals impacted.
Drivers in Kentucky are required to have the above liability coverage to meet state law, but each should consider adding other types of coverage for extra protection. If you are still making payments on your car, you will be required to have collision coverage by your creditor. This will cover the repairs needed on your vehicle.
Circumstances other than collision, such as theft, vandalism, and fire, are paid for if you have comprehensive coverage. Medical bills incurred by you and your passengers will be taken care of if you have personal injury coverage. Damage to your car caused by hit-and-run, uninsured, or underinsured drivers fall under the uninsured motorist coverage option.
Insurance comparison websites are a great resource when you are looking for a trustworthy company and low premium rates. These sites can quickly compare many policies and help you to choose the best one for you.
Websites with an online chat feature are helpful if you have questions that need to be answered by an insurance specialist. Many will also have article sections where you can learn tips to save money on things other than just auto insurance.
Insurance brokers are an asset that should be utilized when you are shopping for auto insurance. Working with numerous insurance providers allows brokers to have access to all the information you will need in making an informed insurance policy purchase.
State law requires that you have $10,000 of property damage liability coverage to cover the costs of the damage to the other person's vehicle or property in the event that you are responsible for the accident. Law also requires you to have bodily injury liability coverage of $25,000 to pay for the other person's medical bills, and $50,000 to pay medical bills for any other individuals impacted.
Drivers in Kentucky are required to have the above liability coverage to meet state law, but each should consider adding other types of coverage for extra protection. If you are still making payments on your car, you will be required to have collision coverage by your creditor. This will cover the repairs needed on your vehicle.
Circumstances other than collision, such as theft, vandalism, and fire, are paid for if you have comprehensive coverage. Medical bills incurred by you and your passengers will be taken care of if you have personal injury coverage. Damage to your car caused by hit-and-run, uninsured, or underinsured drivers fall under the uninsured motorist coverage option.
Insurance comparison websites are a great resource when you are looking for a trustworthy company and low premium rates. These sites can quickly compare many policies and help you to choose the best one for you.
Websites with an online chat feature are helpful if you have questions that need to be answered by an insurance specialist. Many will also have article sections where you can learn tips to save money on things other than just auto insurance.
Insurance brokers are an asset that should be utilized when you are shopping for auto insurance. Working with numerous insurance providers allows brokers to have access to all the information you will need in making an informed insurance policy purchase.
About the Author:
Steve Turner has lots of experience in aiding drivers obtain Kentucky auto insurance. Kentucky Auto Insurance Rates Steve Turner knows what the state requirements are and can also help you choose what other coverage choices you want to add to your policy. Kentucky Auto Insurance Costs
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